CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	9 Months Ended
	Sep. 30, 2023	Sep. 30, 2022
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 3,779,000	$ 10,869,000
Adjustments to reconcile net income to net cash (used in) provided by operating activities:
(Credit) provision for credit losses	(336,000)	656,000
Provision (credit) for credit losses on unfunded commitments	17,000	(101,000)
Depreciation and amortization	713,000	792,000
Net premium amortization on securities	1,196,000	2,346,000
Deferred income tax expense (benefit)	118,000	(164,000)
Common stock issued	1,308,000	1,222,000
Net (gains) losses on sales of mortgage loans	(44,000)	38,000
Proceeds from sales of mortgage loans originated for sale	1,764,000	4,426,000
Originations of mortgage loans originated for sale	(1,650,000)	(7,245,000)
Net securities losses	212,000	181,000
Increase in accrued interest receivable	(224,000)	(118,000)
Increase in cash surrender value of bank owned life insurance	(459,000)	(447,000)
Net losses on disposals of premises and equipment	11,000	11,000
Increase in other assets	0	(85,000)
Amortization of investment in low-income housing partnerships	158,000	173,000
Increase in accrued interest payable	1,097,000	322,000
Decrease in other liabilities	(4,848,000)	(262,000)
NET CASH PROVIDED BY OPERATING ACTIVITIES	2,812,000	12,614,000
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from sales of equity securities and debt securities available-for-sale	23,230,000	170,000
Proceeds from maturities and redemptions of debt securities available-for-sale	29,147,000	36,400,000
Purchases of debt securities available-for-sale	(19,040,000)	(38,324,000)
Net decrease in time deposits with other banks	0	247,000
Net change in restricted investment in bank stocks	119,000	(2,489,000)
Net increase in loans	(22,641,000)	(90,178,000)
Purchase of premises and equipment	(1,442,000)	(445,000)
Purchase of investment in real estate venture	(2,366,000)	(1,548,000)
NET CASH PROVIDED BY (USED IN) INVESTING ACTIVITIES	7,007,000	(96,167,000)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net decrease in deposits	(1,196,000)	(19,660,000)
Net increase in short-term borrowings	1,358,000	67,371,000
Repayment of finance lease obligations	(7,000)	(7,000)
Repayment of long-term borrowings	(3,000,000)	(10,000,000)
Dividends paid	(5,075,000)	(5,009,000)
NET CASH (USED IN) PROVIDED BY FINANCING ACTIVITIES	(7,920,000)	32,695,000
INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS	1,899,000	(50,858,000)
CASH AND CASH EQUIVALENTS, BEGINNING	10,738,000	61,338,000
CASH AND CASH EQUIVALENTS, ENDING	12,637,000	10,480,000
SUPPLEMENTAL DISCLOSURE OF CASH FLOW INFORMATION
Interest paid	18,302,000	4,559,000
Income taxes paid	294,000	1,486,000
SUPPLEMENTAL DISCLOSURE OF NON-CASH ACTIVITIES
Purchased securities settling after year-end	2,262,000	0
Loans transferred from held for sale to held for investment portfolio	0	(7,900,000)
Common stock subscription receivable	16,000	16,000
Right-of-use assets obtained in exchange for lease liabilities	$ 33,000	$ 35,000